| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVOCATE CONSULTING GROUP INC3 Filed as: ADVOCATE CONSULTING GROUP, INC | 17807 HUNTING BOW CIRCLE SUITE 102 LUTZ, FL 33558 | HEALTH OPTIONS, INC | $9K | — | $9K | 5.00% |
| ADVOCATE CONSULTING GROUP INC3 Filed as: ADVOCATE CONSULTING GROUP, INC | 17807 HUNTING BOW CIRCLE SUITE 102 LUTZ, FL 33558 | BLUE CROSS BLUE SHIELD OF FLORIDA | $9K | — | $9K | 5.00% |
| ADVOCATE CONSULTING GROUP INC3 | 3737 EAGLEFLIGHT LANE LAND O LAKES, FL 34639 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.05% |
| ENROLLMENT ALLIANCE LLC3 | 1724 EAST 5TH AVENUE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.95% |
| ADVOCATE CONSULTING GROUP INC3 | 3737 EAGLEFLIGHT LANE LAND O LAKES, FL 34639 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| ENROLLMENT ALLIANCE LLC3 | 1724 EAST 5TH AVENUE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $401 | $401 | 5.00% |
| ADVOCATE CONSULTING GROUP INC3 | 3737 EAGLEFLIGHT LANE LAND O LAKES, FL 34639 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $693 | — | $693 | 10.00% |
| ADVOCATE CONSULTING GROUP INC3 | 3737 EAGLEFLIGHT LANE LAND O LAKES, FL 34639 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $233 | — | $233 | 10.00% |
| ENROLLMENT ALLIANCE LLC3 | 1724 EAST 5TH AVENUE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $117 | $117 | 5.02% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 32 | $376K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 78 | $40K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 65 | $7K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $10K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 32 | $376K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.